Nangona imeko yeGrifols yezobuchwephesha yayiqaqambile, injalo ngakumbi ukusukela kule veki xa ingena kwinani lokunyuka simahla. Yeyona nto intle kakhulu kwiimalike zokulingana kubatyali mali kuba ayisenako ukumelana ngaphambili. Ukuya kuthi ga kwinqanaba lokuba izenzo zabo zine Ukuqhubela phambili kuqhuba kakhulu ephezulu kolunye ukhetho olufanelekileyo lokutyala imali kwimarike ekhethiweyo yemarike yaseSpain, i-Ibex 35. Ukuba lelinye lamaxabiso ashushu kakhulu ukuba yinto ekuthengwayo kwaye nokuba kungayiphi na imeko kunokunika uvuyo olungaphezulu kwesinye Abasebenzisi besitokhwe.
Kule meko ngokubanzi, kufanele kuqatshelwe ukuba le nkampani idweliswe kumaxabiso okuvala aphele kwiveki ephelileyo kuphawulwa ukuphakama okutsha maxesha onke. Nangona le meko yayiyinto eyayithotyiwe yiarhente ezahlukeneyo zemali. Kwaye yayingumbandela wexesha elifutshane ngaphambi kokuba eli nqanaba lamaxabiso lifikeleleke kwikoteyishini yalo, ngaphandle kwe-vertigo kwiindawo eziphakamileyo eziveliswa yile meko kwixabiso lemarike yemasheya ehamba ngezi meko.
Kwelinye icala, kuyimfuneko ukugxininisa ukuba iyanikela Iziphumo zeshishini ezithandwa ngabatyali mali abancinci nabaphakathi. Ukuza kuthi ga kwinqanaba lokuba uxinzelelo lokuthenga olunamandla ngaphezulu kokuthengisa lufunyenwe kuhlalutyo lobuchwephesha. Kwaye isiphumo yinto eyenzekileyo kwezi ntsuku xa ibikukunyuka simahla kunye nohambo oluphezulu ngaphandle kwemiqobo. Nangona kusengqiqweni ngakumbi okanye kungaphantsi ukuba inokwenza izilungiso kwiintsuku ezizayo ukukhupha ukunyuka kwayo kwiimarike zezemali. Into enokuba lithuba lokuthatha isikhundla kwixabiso ngamaxabiso aqine nangakumbi nangokhuphiswano.
Iifrifols zikhangela i-euro ezingama-33
Injongo yokuqala yale nkampani ilungile kwinqanaba lama-euro angama-33 kwisabelo ngasinye. Kodwa oku oko akuthethi ukuba andinakuqhubela phambili ngaphezulu ukusukela ngoku. Ukuba akunjalo, ngokuchaseneyo, ungaya kwiinjongo ezinamabhongo kwixabiso lakho kwaye oko kungenza ukuba umsebenzi ube nenzuzo enkulu ngokuhamba, okomzuzwana, phantsi kwenyani ecacileyo yokunyuka. Kuyo yonke imiqathango yokusisigxina, ngokufutshane, phakathi kunye nangexesha elide kwaye ke uneendlela ezininzi zotyalo-mali, kokubini kwiiprofayili zomsebenzisi ezinobundlongondlongo nakwezo zokuzikhusela okanye zendalo.
Ngelixa kwelinye icala, ludidi lwesitokhwe apho ubungozi abukho phezulu njengezinye izindululo. Apho ifayile ye- ukuguquguquka Ayisiyiyo enye yezona zinto ziphambili ziqhelekileyo kuba ayinabungqina obubonakalayo kwiiseshoni ezininzi kwiimarike zezemali. Ngaphandle kobuchwephesha nje kwaye basebenzela ukulungelelanisa umthetho wonikezelo kunye nebango kwizihloko zabo. Kwenye yokubheja eyona mpendulo ifanelekileyo ininxalenye yabatyali mali abancinci nabaphakathi.
Ithengisa malunga ne-31 euro
Okwangoku izabelo zenkampani zizama ukuhlala kumanqanaba angama-31 euros ngesabelo ngasinye nasemva kokufikelela kwinani lokunyuka simahla. Kuya kufuneka uphumle kancinci ngaphambi kokuba wenze ukunyuka okutsha ukuya kwii-euro ezingama-33 kwaye ukusuka apho inokunyuka iye kwiindawo eziphakamileyo ezifuna ngakumbi. Ngayiphi na imeko, lixabiso le nkampani idwelisiweyo engazange ifikelele kulo kwaye le nto ichaza umboniso wamandla kwiimarike zezabelo. Ngaphandle kokuma okuthile kwii-indices eziphambili zesitokhwe kwihlabathi liphela. Ngale ndlela, kunokuthiwa yi-asethi yezemali eqhuba ngcono kunabanye abenza i-Ibex 35.
Kufuneka kuqatshelwe ukuba iGrifols ikwimeko entle yezobuchwephesha iinyanga ezininzi ngoku kwaye le yimeko ngokuqinisekileyo isimema ukuba sivule izikhundla kwisitokhwe. Nangona izilungiso zinokuveliswa kwixabiso lazo ngenxa ye- inqanaba eliphezulu lokuthenga ngaphezulu unayo ngoku. Kodwa kuyo nayiphi na imeko, kuninzi ukuthenga kunokuthengisa kwaye ungenza lo mthetho usebenze ngokusesikweni kunye neziqinisekiso ezithile zempumelelo ukusukela ngoku. Ukuze ngale ndlela ubenakho ukonga imali kunye nelinye lamaxabiso aqinileyo kwisalathiso esikhethiweyo sokulingana eSpain.
Hlawula isahlulo esithobekileyo
Ngokuchasene noko, ulwahlulo olwabayo phakathi kwabanini zabelo alubekiyo. Ngokwenza inqanaba lenzala oko kukuthi malunga ne-3% kwaye ayisiyiyo enye yezona zinokhuphiswano kwimarike yesizwe. Ngayiphi na imeko, yintlawulo esisigxina kunye neqinisekileyo onayo minyaka le, nokuba kwenzeka ntoni kwiimarike zezemali. Ngokwalo mbono, kunokuthiwa ayisiyonyathelo ekufuneka ubhekise kuye kule ntlawulo, kodwa ngokuchaseneyo nokuziphatha kwakhe kwintengiso apho kudweliswe khona ukhuseleko. Oko kukuthi, emva kwayo yonke loo nto, lolunye lweenjongo zakho kwangoko.
Enye into ekufuneka uyiqwalasele ukusukela ngoku kukuba ivela kwicandelo elinamandla amakhulu okuhlaziya anje ikhemesti. Ngenye yezona zinto zibalaseleyo kule minyaka izayo ngenxa yeempawu ezizodwa zeli candelo leshishini. Apho kufanelekileyo kakhulu ukuba ibonelela ngembuyekezo yonyaka enokuba nomdla kakhulu kubatyali mali abancinci nabaphakathi. Ngokungafaniyo namanye amaxabiso abaluleke kakhulu kwi-Ibex 35 esele imile kwiinyanga ezidlulileyo. Ukuzivumelanisa nolunye lwezona zikhetho zicacileyo kufuneka wenze ipotifoliyo yakho elandelayo yotyalo-mali. Ukusuka kwimodeli ezinzileyo yeshishini kunabanye.
Izicwangciso zokuphuhlisa
Nangona kunjalo, ungatyhala iinkqubo ezininzi ekusebenzeni ukuze ufumane ukusebenza kubo. Enye yazo ibandakanya uthathe ithuba nakuphi na ukusika Ngexabiso layo lokuthatha isikhundla kwixesha eliphakathi kwaye ngakumbi ixesha elide. Ukwenza ibhegi yokonga kancinci kancinci kunye nokuhlala ixesha elide kunesiqhelo kwezi meko. Kananjalo nokwenza izinto ezongezelelekileyo zokuthenga ngexesha lokudlula kwinqanaba lama-euro angama-33, lelinye lawona manqanaba abaluleke kakhulu okwangoku angaphambili. Ngokukodwa xa ibekwe kwezona zibalaseleyo kwezobuchwephesha, yona leyo ikhululekile.
Elinye iqhinga onokulisebenzisa ngeli xesha lelo lijolise ekuphuhliseni ukuthengwa okutsha njengoko kuhamba ukuhlangabezana neenjongo ezintsha. Ukuze ngale ndlela utyalomali lwakho lukhule ngokuhamba kwexesha. Njengoko sele ubonile, eli ayiloxabiso lomsebenzi wokuqikelela, okanye nentshukumo yexesha elifutshane. Kule nto, ezinye izindululo ezifanelekileyo ngakumbi zemarike yesitokhwe ziyafumaneka ukunika amandla ngakumbi kwiphothifoliyo yakho yotyalo-mali. Apho ungenakulibala ukuba emva kokuthotywa kwemali kwi-2019, nokuba ibincinci kakhulu, le nkampani inokuthatha iimpembelelo ezintsha kunyaka omtsha.
Nangona ngandlel 'ithile kwaqondwa ukuba ibingumbandela wexesha ngaphambi kokuba ikwazi ukugqitha kwinqanaba lama-31 euros ekurhweba ngalo ngalo mzuzu ngaphandle kweengxaki ezininzi. Ngenxa yokuba amaxabiso abo abonelela abatyali-mali uzinzo olukhulu kunabanye kwaye le yenye yezinto ekufuneka uzivavanye ukusukela ngoku. Ngelixa kwelinye icala, yenye yexabiso elinezona ngcebiso ziphakamileyo ezivela kwiiarhente ezahlukeneyo zezemali. Nokuba ukwizikhundla ezinobundlongondlongo ukwenza ngcono ulondolozo lwabasebenzisi beemarike zentengiso kwaye yenye yeenjongo ekufuneka kufikelelwe kuzo. Akumangalisi ukuba, kwixesha elifutshane elidlulileyo yayithengisa ngaphantsi kwe-euro ezingama-28 ngesabelo ngasinye.
Nciphisa ityala lakho kulo nyaka
Imali entsha iquka isiQinisekiso seXesha leThemu B (TLB) semali eyi-2.500 yezigidi zeedola kunye ne-1.360 yezigidi zeerandi, zombini ezimiselwe abatyali mali beziko; ukukhutshwa kwebhondi ye-1.675 yezigidi zeerandi (amaNqaku aKhuselekileyo aKhuselekileyo); kunye nolwandiso lwenkxaso mali yezemali ukuya kwisixa se 500 iidola ezigidi. Le nkqubo yokuxhaswa kwakhona kwemali yenza ukuba kube nakho ukwandisa ubume bezemali kunye nokuphucula ngokubonakalayo zonke iimeko. Ikwavumela inkampani ukuba inikwe ubhetyebhetye ngakumbi ngokweminqophiso (cov-lite).
Ixabiso eliphakathi letyala limi kwi-2,8%, ngokuncitshiswa kwamanqaku angama-80. Ngale ndlela, ixesha eliqhelekileyo lokuvuthwa lenyuswe ngaphezulu kweminyaka esi-7. Kwelinye icala, ukusebenza koqoqosho lweGrifols, kunye nokukhula okuqinileyo kwexesha elide kunye nezicwangciso zokwandisa, zikwazile ukuvala le nkqubo yokuxhasa ngemali ngexesha lokurekhoda, into eqinisekisa ukuzithemba kwabatyali mali kwinkampani. Ngenxa yoko, iGrifols iya kuyamkela ifuthe elincomekayo lokunikwa kwengxelo kwiziphumo zayo zeMali kwikota yesine ka-2019 ngexabiso elipheleleyo elimalunga nezigidi ezingama-50 zeerandi.